✅ Get a quote today:
📞 Call or Text: 248-459-3045
📧 Email: info@yourmichiganinsurance.com
General Liability Insurance for General Contractors – What You Need to Know
If you’re a general contractor, having the right general liability insurance is essential to protecting your business. This coverage helps cover property damage, injuries on a job site, and legal costs if you’re held responsible for a claim. But there’s more to it than just having a policy—understanding how premiums are calculated, what’s covered, and what’s excluded can help you avoid costly mistakes.
In this video, I’ll cover:
✅ What General Liability Covers – Including Products & Completed Operations Coverage.
✅ How Premiums Are Determined – Factors like payroll, subcontracted work, and job classifications impact your costs.
✅ Risk Management for Contractors – Why using a formal subcontractor agreement with clear insurance requirements is critical.
✅ Coverage Limits & Umbrella Policies – Standard limits ($1M per occurrence, $2M aggregate) and when an umbrella policy makes sense.
✅ Common Exclusions & Mistakes to Avoid – Watch out for policies that exclude residential/commercial work, subcontractor work, or height restrictions.
✅ What General Liability Won’t Cover – Things like employee injuries (workers comp), defective workmanship (E&O insurance), cyber liability, and pollution liability.
Why This Matters
Not all general liability policies are the same. Some insurance companies specialize in working with contractors, offering better pricing and stronger coverage options. And when it comes to insurance, price isn’t everything—having the right protection from a reputable and financially stable company is just as important.
Learn more:
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🚧 Need help finding the right coverage for your contracting business?
💬 Contact me today to review your policy and make sure you’re properly covered.
Need help with your insurance? Have questions?
✅ Get a quote today:
📞 Call or Text: 248-459-3045
📧 Email: info@yourmichiganinsurance.com
I look forward to working with you!
Playlists for Business Insurance:
📌 Workers Compensation Insurance:
📌 General Liability Insurance:
📌 Commercial Auto Insurance:
📌 Cyber Liability Insurance:
📌 Commercial Property Insurance:
📌 Tech E&O Insurance:
📌 Management Liability Insurance:
📌 General Commercial Insurance:
Specific Industry Playlists:
📌 Contractor Insurance:
📌 Manufacturing Insurance:
📌 Trucking Insurance:
Playlists for Personal Home & Auto Insurance:
📌 Michigan Auto Insurance:
📌 Michigan Home Insurance:
📌 Michigan High Value Home Insurance:
📌 Michigan Electric Vehicle Insurance:
If there’s a specific topic you’d like me to cover or if you have questions, let me know in the comments!
**DISCLAIMER: THIS IS NOT LEGAL ADVICE. USE AT YOUR OWN DISCRETION. THIS VIDEO INCLUDES MICHIGAN INFORMATION ONLY.
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